Can I use my HSA card to pay for an eye exam?
Asked by: Deon Beier | Last update: November 9, 2025Score: 4.8/5 (44 votes)
Are eye exams covered by HSA?
Yes! Your pre-tax FSA/HSA funds can typically be used for glasses, contact lenses, prescription sunglasses, and eye exams.
Can you use HSA to pay for vision and dental?
Medical, dental or vision office visits are eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), or a health reimbursement arrangement (HRA).
Can I use my HSA card for doctor visits?
Generally, qualified expenses include doctor visits, medications, medical equipment, and dental and vision care for you, your spouse and any dependents.
Does my health insurance cover an eye exam?
You don't have to worry about getting coverage for vision care provided by an ophthalmologist, as your health care insurance typically covers the cost of care for physical issues with your eyes. However, you'll need vision insurance to cover exams and corrective lenses.
Can I withdraw cash from any ATM using my HSA card, or are there specific ones that I need to use?
How much does eye exam cost with insurance?
Eye Exam Cost FAQs
Without insurance, you can expect to pay between $50 and $200 for a standard eye exam. With insurance, your copay for an eye exam will typically range from $10 to $40. How much does an eye exam cost with insurance?
Why are eyes not covered by health insurance?
Since the passage of the Affordable Care Act (ACA) vision insurance has been phased into the health care marketplace, but because oral and vision care aren't considered essential health services, these policies are offered separately from a person's health care plan.
What can an HSA not be used for?
Generally, you can't use your HSA to pay for expenses that don't meaningfully promote the proper function of the body or prevent or treat illness or disease. Nutritional supplements and weight loss programs not prescribed by a physician are examples of expenses that would not be covered by your HSA.
Can I use my HSA card for anything?
HSAs can be used for large and small qualified medical expenses. You can use your HSA for ongoing medical services and treatments, like chiropractic care, acupuncture, or physical exams. Medical copays, deductibles, and coinsurance can also be covered under an HSA.
Can I use HSA for a dentist visit?
Yes, you can use a health savings account (HSA) or flexible spending account (FSA) for dental expenses.
Can I withdraw money from my HSA?
When can I withdraw money from my HSA? You can withdraw money at any time if it's used for qualified medical expenses. However, if you withdraw money for other purposes, your withdrawal will be subject to income tax (if the contribution was pre-tax) and a 20% penalty.
Can I pay for eye surgery with HSA?
You can use an HSA for LASIK and other laser vision correction procedures. Like the FSA, the IRS sets limits on what procedures can be covered by an HSA. Laser vision correction procedures including LASIK, SMILE, and PRK are eligible expenses.
Can I buy a toothbrush with HSA?
Unfortunately, most products for oral health care are not currently eligible medical expenses for FSA and HSA spending.
Can you use HSA for dental and vision?
HSA - You can use your HSA to pay for eligible health care, dental, and vision expenses for yourself, your spouse, or eligible dependents (children, siblings, parents, and others who are considered an exemption under Section 152 of the tax code).
How many pairs of glasses can I buy with HSA?
Are there FSA or HSA purchase limits? No. If you have funds, you can buy as many pairs of prescription glasses, sunglasses, or contact lenses as you like. If you have money saved at the end of the year, make sure you use your FSA for your next glasses or contacts purchase so your money doesn't go to waste.
Can you use HSA for massage?
Your HSA can pay for massage therapy, though you'll likely need a letter of medical necessity (LMN) from your doctor. An LMN states what condition the treatment is for, how many sessions you need, and any other relevant details. An HSA may also be used on alternative or holistic treatments, such as: Massage therapy.
What if I accidentally used my HSA card for groceries?
If you catch the transaction early enough, you might even be able to contact the retailer and ask them to reverse the charge and fill it on a new card. If you bought something in person, you can also return it to the store and then buy it again with a different card.
Can I transfer money from my HSA to my bank account?
Online Transfers – On HSA Bank's member website, you can reimburse yourself for out-of-pocket expenses by making a one-time or reoccurring online transfer from your HSA to your personal checking or savings account.
Can I use HSA to buy toothpaste?
Toothpaste is not eligible for reimbursement with a flexible spending account (FSA), health savings account (HSA), health reimbursement arrangement (HRA), limited-purpose flexible spending account (LPFSA) or a dependent care flexible spending account (DCFSA). What is toothpaste?
Can I use my HSA card for non-medical expenses?
Can You Use HSA for Non-Medical Expenses? It's your money, so using your HSA for non-medical expenses is an option.
What is the 12 month rule for HSA?
It means you must remain eligible for the HSA until December 31 of the following year. The only exceptions are death or disability. If you violate the testing period requirement, your ineligible contributions become taxable income.
Can I use HSA for groceries?
No, you can't use your Flexible Spending Account (FSA) or Health Savings Account (HSA) for straight food purchases like meat, produce and dairy. But you can use them for some nutrition-related products and services. To review, tax-advantaged accounts have regulatory restrictions on eligible products and services.
Does my insurance cover an eye exam?
To find out if your medical insurance covers eye exams, you can look at your insurance plan's summary of benefits or contact your insurance company. Most of the time, if you are seeing an optometrist, they will bill vision insurance. If you are being seen by an ophthalmologist, they will likely bill medical insurance.
How much are eye exams without insurance?
Exact prices vary according to location and retailer, but an average eye exam will cost $75 to $200 without insurance. While some doctors may charge up to $300 for an eye exam, retailers like Costco and Target offer relatively inexpensive eye exams. How much does an eye exam cost with insurance?
Does Medicare cover eye exams?
Routine eye care services, such as regular eye exams, are excluded from Medicare coverage. However, Medicare does cover certain eye care services if you have a chronic eye condition, such as cataracts or glaucoma. Medicare covers: Surgical procedures to help repair the function of the eye due to chronic eye conditions.